ANNEX 3: RADIO CAMPAIGN SCRIPTS - Impact Insurance Facility

[Pages:143]ANNEX 3: RADIO CAMPAIGN SCRIPTS

PROGRAM 1

Topic: Identify common risks and their consequences

Risk is the possibility of loss or injury.

Most common risks Sickness Drought Accident

Consequences of risks Risks can cost a lot and have an impact on family income and expenses Some risks can affect us or cost more than others (i.e. accident that results in hospitalization) Risks can affect you emotionally, physically and financially Risks can leads to financial pressure

Sickness: Consequences If you don't treat a sickness right away (like malaria) the condition could worsen. This may require hospitalization and will cost more money. If you get sick and own a business you may lose income for your family because you cannot work

Sickness: Different costs of malaria: Doctor's fee/Consultation Transportation Lab Costs Medication Bed

Challenges in planning ahead for sickness: It is hard to know when sickness will occur It is hard to know how serious the sickness will be It is hard to know the total costs of sickness After meeting daily needs you may not have much left over for savings for unexpected expenses such as sickness Thinking that , planning ahead for sickness might bring you bad luck

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You do not like or think you need to plan ahead PROGRAMME NO 1 Key message: Risks in life /Understanding Risk Title: A FRIEND INDEED Sfx- Signature tune up and under (30 seconds) ANNCR: Hallo and welcome to our brand new programme, "A friend in deed", brought to you by Association of Kenya Insurers, AKI and Microfinance Opportunities (MFO). "A friend in Deed" is a radio drama highlighting the importance of insurance to our daily lives. Each week, we will have a testimony explained through drama by those who have used insurance. We will also respond to your comments and questions from you, dear listener and finally, we will hear from an insurance expert who will discuss the drama and respond to your questions and comments. This way, we all will learn a lot on risk and insurance management and the role of insurance in your day to day life. Stay tuned and listen for a simple question at the end of this programme. If you answer it correctly, you stand a chance to win Ksh 500 worth of airtime. Winners will be announced every fortnight. Without further ado, let's join Andrew Funzo's family as they visit a friend. Why are they there? What will happen? Listen keenly to learn something new. Bridge Music- (30 sec) Sfx: Knock ...knock...knock (Brisk knock on door) Friend(MAARIFA): Just a minute, I'm coming. Sfx: Door opens MAMA MAARIFA: (Joyful) Well hello, Mama Elizabeth! ( NB- Elizabeth's Mum - an affectionate term of reference) Andrew! What a pleasant surprise, a blest day indeed! It's been ages since we last met. BABA MAARIFA: Welcome! Come in, come in, feel at home. My home is your home. Oh, and the other day, Andrew, I saw you driving your lorry. I waved but you didn't seem to notice... MAMA ELIZABETH: (Laughs) Ah! Mzee Maarifa, you shouldn't be surprised. Ever noticed how drivers glue their eyes glued on the road? They try to be so careful they hardly see beyond their eye lashes! Sfx: Laughter MAMA ELIZABETH: True, true. By the way, the other day I was telling my husband that I noticed that your shop had been closed for nearly two weeks.

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BABA MAARIFA: And by coincidence, I remarked to my wife that same day that I also noticed your children, Moses and David have not been attending my classes at school.

ANDREW: Ah, yes! Moses and David are fine. It is true that they've missed school for nearly two weeks now. You see, our daughter Elizabeth has been very sick.

MAMA MAARIFA: (Sympathetic) Oh no! I'm sorry to hear that. I've always known Elizabeth to be a strong, healthy girl. I never imagined she would get so sick.

MAMA ELIZABETH: Well, she visited her grandmother in Mombasa about three weeks ago. On her return, she started complaining, "Oh my head, Oh my stomach! At first we thought it was a simple problem so we bought her medicine from the shop.

ANDREW: Yes, I was trying to save money we'd have spent at the hospital. Unfortunately, she kept getting worse. Vomiting, fever, weight loss... We eventually found out that she'd come down with Typhoid!

BABA MAARIFA: Oh, Typhoid! (Sucks his teeth in pity) It is one of the most common risks many of us face here in Kenya.

ANDREW: (Surprised) Risk? What do you mean?

BABA MAARIFA: You see, Baba Elizabeth, a risk is the possibility of loss or injury. So, an illness, like typhoid, is a risk. Even drought, or an accident, anything unexpected that can affect us negatively.

ANDREW: (Understanding the concept) Ah, I see! Well we definitely faced huge losses as a result of Elizabeth's sickness. Everyone in the family had to take care of her. I couldn't work, Mama Elizabeth had to close shop...her brothers didn't feel like to go to school. You know, I've come to notice that whenever she is in pain, even her two siblings feel it too. Everyone's affected! Most of all, we have all been deeply worried about her!

MAMA MAARIFA: Oh, I'm so sorry! I can feel your pain!

MAMA ELIZABETH: We tried everything we could for Elizabeth, we spent all our money on laboratory tests, doctors fees, taxi fare, medicine. I even used up the fuel money Baba Elizabeth keeps for his lorry. And then we ate into our shop's capital, and even our chickens had to be sold to pay the taxi driver. But things went from bad to worse! We've borrowed money from friends and family just to be able to pay for food and rent. I'm really worried about our current financial situation!

BABA MAARIFA: Often, one doesn't usually plan ahead for such situations.

MAMA ELIZABETH: I know. Who'd have known that a strong, healthy girl like Elizabeth would get so sick and that it would cost us so much money, time and cause so much stress?

MAMA MAARIFA: Some people think that planning ahead for sickness can bring you and your family bad luck.

ANDREW: I know, but now we've learnt that next time...

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MAMA ELIZABETH: ...we should plan ahead and prepare for unforeseen eventualities like illness. BABA MAARIFA: Very true indeed. Preparing for risks ensures that you're ready and you won't have to go through all the stress you've just been through. Bridge Music

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STUDIO- Expert analysis (Prt 1)

ANNCR: Dear listener, you have just heard the challenges that Andrew Funzo, and his wife, Mama Elizabeth are going through. Today I am joined by Mr. Joseph Jamwaka, an expert on insurance matters. Welcome to the studio Joseph. Joseph you have followed the unfortunate events befalling Andrew's family, what can you say about them? JOSEPH: Sickness like typhoid is an example of a type of risk. A risk is the possibility of a loss. Other common examples of risks include drought or an accident. ANNCR: That's right. And these lead to difficulties, distress or even mishaps. JOSEPH: It is important to know that anyone can fall sick. In the drama, no one imagined that a strong, healthy girl like Elizabeth could fall sick. And when she fell sick, her whole family was affected. So it doesn't matter how healthy you are or how well you take care of yourself. You can easily fall sick anytime. As a result, your family suffers. It's important to know that one cannot say for sure how long you will be sick or how serious it will get. ANNCR: Are you saying that the whole family will face a lot of stress because they will be worried about the medical costs when someone falls sick? JOSEPH: Precisely. You heard how Elizabeth's brothers and parents were really worried. The whole family goes through a lot of emotional and financial stress. They might be forced to use up all their savings to cover the medical costs. They may even go into debt because of borrowing from relatives and friends, just the way Elizabeth's parents did. ANNCR: Remember Mama Maarifa saying that some believe that preparing for illness is bad luck? JOSEPH: That is just a myth. Remember, anyone can fall sick anytime. You have to be well prepared. Bridge Music ANNCR: Thank you Joseph. It is clear that risks affect anyone of us at any time and also in many ways. We may face financial difficulties, losses and injuries. Which is why you need a reliable friend to turn to. This friend is INSURANCE. Step by step, we will introduce you to your friend in deed... insurance. It's now time for YOUR VOICE.

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YOUR VOICE (Vox pop ? Audience participation) ANNCR: Earlier today, I was in Eastlands and had a discussion on risk. I later had an opportunity to talk to some people. Here are some of their questions. One of them actually shared a personal experience about his life. (Out of studio) FVO: My name is Pauline Nduta. I am married with 3 children. Today's discussion was very helpful, although there was something I didn't quite get. Isn't it bad luck to prepare for a risk? In my culture, we do not talk about preparing for misfortune. The other question is, are there some risks which are worse than others? MVO: My name is James Okello. I was wondering, if one person faces risk, how does the whole family get affected? FVO 2: I am Gakenia Wamugo. I wanted to know if in a family, some people may be more affected by risk than others. MVO: My name is Paul Ruwa. Now, A few months ago my wife suddenly became sick. I work as a teacher at the local primary school while she used to sell vegetables at the market. We have two children one on secondary school, form 2 while the other one is sitting her KCPE this year. Now, one evening she had fever. She was shaking all over and really sweating. So I just bought some medicine at the kiosk. I got some tablets that were often used for malaria. In the morning, she actually got worse. I had to ask my neighbours for money to get a taxi to rush her to hospital. ANNCR: Oh, I'm so sorry. MVO: Then I had to look for money for her treatment, medication and a few days at the hospital. Meanwhile, I also had to help prepare my children for school, I had to help in the cooking. I tell you, it was one of the most stressful times of my life. I had to borrow a lot of money from friends and relatives. Meanwhile, my boss at the school was getting impatient as I was missing a lot of days. Fortunately, my wife soon got better. But we learnt a very important lesson. From that day when she was discharged from the hospital, we decided to always think about the future and prepare for it. ANNCR: Thank you so much, Paul for sharing your experience.

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(Back to the studio) Expert analysis (prt 2)

ANNCR:Joseph, you have heard the questions and Paul's experience. Let's start with Pauline.

JOSEPH: Pauline raised an important issue. I will start with her second question. Yes, indeed. They are some risks that can cost you more in the long run. For example, if you get malaria. It could get worse and you may need to be hospitalized. That means you will spend a lot more on doctor's fees, lab tests, medication, beds among many others. Since you work in a supermarket, you may have to take time off. If, for example, your child falls ill, you still have to take time off to care for him or her. I'd tell Pauline that even though some risks are worse than others, you have to be prepared for all risks.

ANNCR: Joseph, some people are quite superstitious. In fact Pauline raised that issue. What about those who think that preparing for risks brings bad luck?

JOSEPH: That is just a myth, it holds no truth. For example, the same way you take your newly born baby for vaccination, for example. You're preparing its body so that in the event the baby falls sick, it will not be as bad as if the child had no vaccination. Preparing for risks is not bad luck. It's the wisest decision you can make for yourself, your family and your loved ones. That way, just in case you're faced with a risk, you will not be completely helpless. You will have some help which will help you face the challenges.

ANNCR: The gentleman called James Okello and the Gakenia asked important questions. He asked how does risk affect the whole family? Can a risk affect a family member more than others?

JOSEPH: Yes James & Gakenia need to fully understand that since many of us live together with our family members, whatever happens to one member affects the whole family. Normally because everyone has different schedules or chores to take care of, family members hardly meet during the day. You see each other in the morning or evening. Now when faced with a risk, like an illness. One family member is not able to carry out their specified functions.

ANNCR: Like in a typical family, the father and mother are usually the sole breadwinners while the children are usually students.

JOSEPH: Yes indeed. Now, if a breadwinner cannot bring income, the whole family suffers and everyone starts trying to look for money for medicine and treatment. The breadwinner may not be able to go out to look for money.

ANNCR: What if it's the children, say, for example, a primary school child?

JOSEPH: If a child falls sick, the parents will have to take time off work to care for the children. Again, that means income may be lost. Any money around will now have to be spent in treating the child.

ANNCR: Is money the only issue?

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JOSEPH: No. There is also emotional stress. When one is sick, the other family members are sympathetic. They wish they could do something to make the patient feel better. So everyone is sad or a bit depressed. When you combine that with the stresses of raising money to care for the patient, it gets even more complicated. ANNCR: So you can't really say that risk affects some family members more than others? JOSEPH: No, a family is a unit. When just one member is affected, everyone else is. ANNCR: Dear listener, as you have heard from Paul's experience, more and more people are learning that it is important to prepare for risks. The best time to start preparing is, now. Tomorrow may be too late. What about you, are you prepared? And now its time for today's question. Other than illness, which other risks can you encounter in your daily life? (x2)Send #your answer to A FRIEND INDEED, P.O. Box 2706 00100 or SMS 0712616004. We will select one person who sends in the correct answer and announce his or her name on air. He or she will then receive Ksh 500 worth of airtime. If you have any question or comments you can use the same address to reach us. Join us next week for another episode on risks and insurance management. On behalf of ANDREW FUNZO's family and Mr Joseph Jamwaka, my name is ....... Good bye and stay safe. Signature tune up to fade

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